Jimmy dons his intellectual glasses and brings on the hard hitting Night! News! Now! Joining Jimmy is Financial Correspondent Tom Duncan, who breaks down the financial low-down, in easy to understand terms. Tom warns that if negotiations don't move quickly, it will be wise to keep an eye on the fiscal cliff and the budget pond. Of course as always, watch out for your credit nook – else your debt ceiling may crumble…And you know how expensive it is to get someone out to fix that problem! See how easy this is? It's a wonder that Paul Ryan evaded this explanation for so long!